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Old 10-08-2007, 02:22 PM   #11
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I'm gonna owe and owe and owe, that's why it's off to work I go!
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Old 10-08-2007, 05:30 PM   #12
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Quote:
Originally Posted by NINA View Post
Accountability?

Hum, I think I might be one of the ones in trouble here.

Mortage note 20 years on mobile home. 5 years paid off.
Car Loan 5 years (12% interest) Just made 1st pmt last month.
Travel Trailer 10 years (18% interest) 6 pmts made

As you can see we owe quite a bit.

Downside: Even when the mobile home is paid off, we still have to
pay lot rent.

I hope to keep the car for whole 5 years. (Dependent on runability)
Car would be paid off and then given to my oldest daughter.
She will be 16 in 5 years. Car should have about 100,000 miles.

Travel Trailer - Might trade up one time. Unsure yet.

Truck - NEED ONE! We went camping on Sept 28th, 29th, 30th.
When we took camper back to storage, we blew the
heater core out.

Last but not least, I lost my job as of Monday.
I turned in a sick note from the doctor on Friday.
Diaganoised with Acute Bronchitis. Boss accepted the note.
I asked her if every thing was ok. She said yes.
When I went in on Tuesday to check the work schedule,
(My regular schedule would have had my next day being Wednesday)
I was not on the schedule.
Please note: I have been working on getting another job
prior to being let go. She knew I needed more hours, but
I was willing to still juggle a new 40hr per week job and still
try to work 8-16 hours for them. When I asked her in her
office why I had no scheduled hours, she said she had a resident
who told her that I had gotten my other job and had quit.
When I asked her if she had heard this from the rest of my
fellow co workers, she said NO!
SINCE WHEN DO YOU MAKE AN EMPLOYMENT DECISION BASED
ON SOMEONE'S WORD WHO JUST LIVES THERE AND DOES NOT WORK THERE??

I figure THEIR LOSS NOT MINE.
Had been there one month shy of 2 years.

My new job is Direct care. 40 hours a week. Benefits after 6 mo's.
I hope it works out.

Oh, one more thing. Add to the fact that my mother is going
in for Total Knee replacement surgery on October 30th.

Nina
Sorry to hear about the extra trouble Nina. Two words, wrongful dismissal.....
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Old 10-08-2007, 05:33 PM   #13
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Quote:
Originally Posted by Radio View Post
All of you:

If you've followed much of my postings on this and that other forum, then you know that once the wife and I have reached certain financial goals it was our intention to order a new Rockwood 5th wheel next April (08).

Not anymore. Plans have changed.

Aintgotnone has inspired me. He and his smart wife paid off their new trailer in 21 months, not 12 years.

Right now the only thing the bank owns is my 07 F-150. That even includes the house. I have promised my self, my wife, my family and God that is the LAST THING I WILL EVER BE IN DEBT ON. We will owe some taxes (we are not late, they will just come due) and establish an emergency fund. Then, instead of ordering a trailer and financing it, we will begin a crash savings program and pay cash for the trailer when we have the money. We will live below our means and have every dollar budgeted before it is spent.

In 1910, the Sears & Roebuck catalog said, "To buy on credit is folly." King Solomon, the wisest man in the Bible, said "The borrower is slave to the lender." Who am I to argue?

I would argue that if I loose my job, we couldn't make both truck and trailer note on what my Sweet Wife makes. (We can eek by on what she makes now if we had to.) I could argue that if something awful happens, we could use our saved money to recover, or sell the paid for trailer. I could tell you about all the layoffs we have been through and how we've nearly lost it all so many times. But I guess you either understand the idea of being free from debt and the fear and stress that comes with it, ot you don't.

Yes, it will be hard. All it takes is one phone call, the bank owns a trailer and I am in bondage for years. Never again.

What I'd like are accountability parters - to hold me accountable to my promise and to offer encouragement. To check on our progress and to help celebrate when we back the new trailer into the drive for the first time. This will be a long journey.

Wish us luck. Nay-sayers need not apply. Any takers?

Radio
Well I do wish you luck, but had better not offer to be the one to hold you accountable. My debt-reduction plan consists mainly of dying and letting the loan insurance do the rest.
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Old 10-08-2007, 11:12 PM   #14
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I'm with welsh....
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Old 10-09-2007, 08:55 PM   #15
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Unhappy Now I'm Reeelly serious!

I have listed my totally restored 1970 MGB roadster for sale.

It's sort of sad to see it go, but when I got laid off back in 2001 (2 weeks after the terrorist attack on 9/11) I had to park it because I could not afford to insure it with 2 teenagers in the house. So it hasn't even been cranked in 6 years. And I guess restoring the thing was really more fun than driving it.

So on the block it goes! That'll put me along way towards my goal!

Radio

PS: If you want to see it, look over in the classified ads on rv.net
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Old 12-03-2007, 11:07 AM   #16
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My overriding rules:

Pay off all debt each month.
Pay cash for cars,pickups, boats, Motorhomes, etc.
No car, pickup, Motorhome newer than 5 years or older than 10 years.
If you cann't afford it now then save until you can.


Works for me...
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Old 12-03-2007, 12:13 PM   #17
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We are close to that but your 10 year old wont work with my wife. I told her a few months ago we should get her a new car to replace the 10 year old Mustang..

The look I got was the look of death. she said its only got 66000 on it and never cost us more than basic maintainence so why do I need a new car.


hmmmm I bought new tires for it.

Now this week I got the details. She will have 30 years in at her employer on 8/9/2008 and has popped the question.

"Can I retire?" ahhhhhhh 48 years old and going to retire? ahhhhhh



I say ok Keep the car and retire if you want. So now you know next August my play money runs out and got to get the truck paid off before then.

Since I can work from any state she is talking maybe a fulltime thing at 50.

thats sounds good to me! I hope she includes me on this venture of full timing.

1 credit card balance of 1200.00 < recent family illness caused a balance to show up. Should be paid off next month.
1 house of to much. 50K equity and our market is still good for now
1 truck of to much. Ok kick me I had to have it and did not have the cash at the time. Making 2 payments per month right now.

Everything else is ours.

Quote:
Originally Posted by rob98801 View Post
My overriding rules:

Pay off all debt each month.
Pay cash for cars,pickups, boats, Motorhomes, etc.
No car, pickup, Motorhome newer than 5 years or older than 10 years.
If you cann't afford it now then save until you can.


Works for me...
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Old 12-03-2007, 11:01 PM   #18
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Your MG hit my memory button...
forgot about the 1947 MG YA in the garage. It is the exception to the rule.
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Old 12-04-2007, 06:15 AM   #19
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It sound like we all are in the same camper, we should have been born RICH instead of GOOD LOOKING!!!!!!!!
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Old 12-04-2007, 08:14 AM   #20
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It sound like we all are in the same camper, we should have been born RICH instead of GOOD LOOKING!!!!!!!!
I wasn't born neither
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